Originally Posted by
kb9522
... pay for just one of your three guests...
The lounge sets the guest policy, and some do not charge for children. Chase Sapphire Reserve pays for any number of guests. Citi Prestige pays for immediate family or two guests. (In practice I do not recall any Prestige cardholder reporting a guest charge.) If you are going to hold only one of these cards weigh the guest fees (or the $175 Supplementary card fee) against the wider range of lounges that only American Express offers.